Celtic Bank Corporation
Celtic Bank Review 2026
The lowest published rate floor in this roundup — Prime + 2.75% — with no disclosed eligibility bar to check yourself against.
Quick answer
Celtic Bank offers SBA 7(a) and SBA 504 loans from $350,000 to $5 million with rates starting as low as Prime + 2.75% — the lowest published floor in this roundup — over terms up to 25 years and loan-to-value up to 90%. The bank does not publish a minimum credit score, time-in-business, or revenue requirement anywhere on its SBA pages, so real eligibility only becomes clear once you apply.
Who Celtic Bank is best for
Businesses seeking a mid-to-large SBA 7(a) or 504 loan ($350K-$5M) at one of the lowest published starting rate spreads here.
At a glance
- Loan amount
- $350,000–$5,000,000 (SBA 7(a) and SBA 504)
- Rates (floor, not typical)
- As low as Prime + 2.75%
- Term
- Up to 25 years, no balloon payments
- Loan-to-value
- Up to 90% LTV
- Min credit / time in business / revenue
- Not publicly disclosed
- Funding speed
- Not publicly disclosed
celticbank.com and celticbank.com/sba-7a-loans, verified August 19, 2026
Celtic Bank's own site states rates and terms 'will be disclosed upon final loan approval' — treat 2.75% as a best-case floor, not a typical offer. Verified August 19, 2026
celticbank.com/sba-7a-loans, verified August 19, 2026
celticbank.com/sba-7a-loans, verified August 19, 2026
No minimum credit score, time-in-business, or revenue figure found on celticbank.com/sba-7a-loans, verified August 19, 2026
No funding-speed figure found on celticbank.com/sba-7a-loans, verified August 19, 2026
Pros
- +Lowest published floor rate spread in this roundup (Prime + 2.75%)
- +Up to 90% loan-to-value on SBA financing
- +Covers both SBA 7(a) and SBA 504 from $350K-$5M
- +25-year terms available with no balloon payments
Cons
- −No published minimum credit score, time-in-business, or revenue anywhere on its SBA pages — you can't self-check eligibility before applying
- −The 2.75% floor rate applies only to the strongest borrower profiles; no ceiling is published
- −No funding-speed timeline disclosed
Celtic Bank requirements
- Not publicly disclosed — Celtic Bank states only that 'applicants are subject to our credit worthiness'
Celtic Bank alternatives
Top alternatives worth comparing from Best SBA Loan Lenders 2026.
Live Oak Banking Company
Live Oak Bank
Businesses with strong credit (680+ FICO) that want a small-balance SBA 7(a) option with a disclosed average rate and timeline, or large-project SBA 504 financing.
TD Bank, N.A.
TD Bank
Businesses that want a large, well-capitalized national bank offering all three core SBA products, including uncapped first-mortgage 504 project financing.
Byline Bank
Byline Bank
Businesses in Illinois or the Chicago area that want a bank with a specific, SBA-data-backed regional track record in 7(a) lending.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Celtic Bank Corporation→Last verified at the issuer on 2026-08-20
The full lineup
See all picks in Best SBA Loan Lenders 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Celtic Bank scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Businesses seeking a mid-to-large SBA 7(a) or 504 loan ($350K-$5M) at one of the lowest published starting rate spreads here.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.